It’s probably not the first thing or even the millionth thing that comes to mind when you think about Christmas, but for me, it’s right at the top of the list. It was Christmas 2012, the first time I ...

My husband is 40 and I am 44. When we got married a year ago, I was aware that he had about $67,000 in student-loan debt as well as credit-card debt from living paycheck-to-paycheck. He never ...